Plans for Couples and Families

Start your financial plan today!

Welcome! Did you find us because you’re…

  • Feeling sandwiched from responsibilities related to kids, self, and parents?
  • Unsure what financial strategies apply to you and if you’ve considered everything?  
  • Experiencing family conflict and delay over how to move forward?
  • In search of a perfect sandwich generation financial planning service?

You're Looking to Achieve

Healthier Relationships

It’s difficult to be everything to everyone. Effective communication is the first line of defense to minimize conflict, burnout, and avoidance. Discussing reasonable expectations for ourselves and those most important to us is a great place to start. 

Less Stress

When life gets complicated we tend to carry too much. Learn what to keep and what to delegate. Time is your family’s greatest asset, spend it wisely.

Confidence in your Decision

Confidence comes from understanding your options and their expected outcomes. We weave together relevant and factual information alongside reasonable assumptions so you can make a better decision. Cut through the noise and get answers that matter to you.

Awesome! Let’s Powwow for Sandwich Generation Financial Planning.

Flexible Virtual Portal

  • Collaborative environment so you don’t need to leave home or work for meetings

  • Track spending and create a budget, adjust as needed

  • Safely store and share your most important documents in the vault

  • Easily manage action items and view progress toward goals

The Process of Sandwich Generation Financial Planning

Step 1: Onboard. Review paperwork, pay invoice, and create your new eMoney portal. Start now!

Step 2: Schedule your first Powwow with our convenient virtual calendar.

First Powwow: What are your goals? What are your resources?

We will discuss your many responsibilities and how best to prioritize them. Examples include:
  • Cash reserve, retirement, and elder care goals
  • Lifestyle “what-ifs” (home renovation, travel, career)
  • Goals related to financially supporting children
  • Goals related to financially supporting parents

This conversation is also an opportunity to discuss the emotional side of finances. We are happy to provide guidance and perspective to make conversation more productive and less contentious. In addition to goals, we will begin a review of provided information related to:

  • Employee or independent insurance policies (LTC, life, disability)
  • Asset protection (home, auto, and liability)
  • Investment account types, risk tolerance, and allocation
  • Estate plans and beneficiary designations
  • Tax strategy if applicable

Second Powwow: Visualize options for Sandwich Generation Financial Planning

“What if…” is a phrase we hear a lot. This is your opportunity to see the affordability and projected outcomes of various paths. Maybe you’re debating a career change or relocation to accommodate an aging parent. Perhaps you’re wondering how sending your teenager to private high school impacts your retirement plans. Potentially you simply want a second unbiased opinion on your overall finances so that the process of sandwich generation financial planning can be optimized.

Third Powwow: Plan delivery

Your  sandwich generation financial plan is complete and we have created a financial plan that illustrates your chosen path with a list of recommendations. After plan delivery, you’ll have access to eMoney for the remainder of the year. If you would like to retain ongoing advisor access please ask about our membership program.

The Price

For a couple, plans typically take 12-15 hours at $330/hr. If ongoing work is required you may benefit from our membership program.



About Quentara Costa

Quentara Costa helps the sandwich generation prioritize kids, self, and aging parents. For years Quentara was the primary caregiver for her father who was diagnosed with Alzheimers at the age of 70. Since his passing she’s become a mother of three. Professionally she received a master’s degree in Personal Financial Planning from Bentley University and has held the CFP® designation since 2010. Community involvement includes hosting the Merrimack Valley Senior and Caregiver Group and volunteering for the North Andover Council on Aging.